/* ==========================================================================
   Alpha TR — global stylesheet
   Mobile-first. Desktop styles live in the @media (min-width: 781px) block
   at the bottom of each section. Edit colours/spacing via the variables below.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design tokens
   -------------------------------------------------------------------------- */
:root {
  /* Brand colours */
  --purple: #2f143f;
  --gold: #e1b532;
  --bronze: #7d6512;
  --blue: #83aec4;
  --grey: #f2f2f2;

  /* Text */
  --text: #201a24;
  --muted-darker: #444;
  --muted-dark: #555;
  --muted: #666;
  --footer-heading: #443c4b;
  --footer-link: rgba(68, 60, 75, .75);
  --rule: #ece9e3;
  --stat-figure: #d5d0d8;
  --on-purple-body: #e7e2ec;
  --on-purple-muted: #cfc7db;

  /* Type */
  --font-body: 'Roboto', 'Roboto Fallback', Arial, Helvetica, sans-serif;
  --font-display: 'Arial Black', 'Arial Bold', Arial, sans-serif;

  /* Spacing */
  --gutter: 20px;
  --section-y: 56px;
  --stack: 24px;

  /* Layout */
  --max: 1440px;
}

/* --------------------------------------------------------------------------
   1b. Fonts — self-hosted Roboto (latin subset). Display headings keep
   Arial Black as a local system font (no web-embeddable licence exists).
   -------------------------------------------------------------------------- */
@font-face {
  font-family: 'Roboto';
  font-style: normal; font-weight: 400; font-display: swap;
  src: url('assets/fonts/roboto-v51-latin-regular.woff2') format('woff2');
}
@font-face {
  font-family: 'Roboto';
  font-style: normal; font-weight: 500; font-display: swap;
  src: url('assets/fonts/roboto-v51-latin-500.woff2') format('woff2');
}
@font-face {
  font-family: 'Roboto';
  font-style: normal; font-weight: 700; font-display: swap;
  src: url('assets/fonts/roboto-v51-latin-700.woff2') format('woff2');
}
@font-face {
  font-family: 'Roboto';
  font-style: italic; font-weight: 400; font-display: swap;
  src: url('assets/fonts/roboto-v51-latin-italic.woff2') format('woff2');
}
/* Arial-based fallback with Roboto's metrics, so the swap causes no reflow */
@font-face {
  font-family: 'Roboto Fallback';
  src: local('Arial');
  ascent-override: 92.77%;
  descent-override: 24.41%;
  line-gap-override: 0%;
  size-adjust: 100.06%;
}

/* --------------------------------------------------------------------------
   2. Reset & base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}

/* Offset anchor-link targets clear of the fixed header */
[id] { scroll-margin-top: 88px; }
@media (min-width: 781px) {
  [id] { scroll-margin-top: 90px; }
}

body {
  margin: 0;
  background: #fff;
  color: var(--text);
  font: 400 16px/1.6 var(--font-body);
  text-wrap: pretty;
}

img, svg { display: block; max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 { margin: 0; font-family: var(--font-display); font-weight: 900; line-height: 1.1; letter-spacing: -.02em; text-wrap: balance; color: var(--purple); }
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }

a { color: inherit; text-decoration: none; transition: color .18s ease; }
a:hover { color: var(--gold); }

::selection { background: var(--gold); color: var(--purple); }
a:focus-visible,
button:focus-visible,
summary:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; margin: -1px;
  padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* Skip link */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--gold); color: var(--purple);
  padding: 12px 20px; font: 700 14px/1 var(--font-body);
}
.skip-link:focus { left: 0; }

/* --------------------------------------------------------------------------
   3. Layout helpers
   -------------------------------------------------------------------------- */
/* Shared centred-max-width shell, reused by several full-bleed bands below */
.wrap,
.hero__inner,
.subnav,
.footer__nav,
.footer__legal,
.footer__disclaimer {
  width: 100%; max-width: var(--max); margin-inline: auto;
}
.wrap { padding-inline: var(--gutter); }

.section { padding-block: var(--section-y); }

/* Content-width modifier: caps the text measure without re-centring the block,
   so section content stays flush with the nav, hero and footer. */
.wrap--text > * { max-width: 1100px; }
.section--grey { background: var(--grey); }

/* Two-up on desktop (see media query); stacked with a clear break on mobile */
.split { display: flex; flex-direction: column; gap: 32px; }

/* Section heading with the gold left rule.
   Base = section scale; modifiers tune size / spacing for sub-headings. */
.rule-heading {
  border-left: 4px solid var(--gold);
  padding-left: 16px;
  font-size: 28px;
  margin-bottom: 24px;
}
.rule-heading--sm { font-size: 20px; margin-bottom: 0; }
.rule-heading--xs { font-size: 19px; }
.rule-heading--sub { font-size: 19px; margin-top: 44px; margin-bottom: 0; }
.rule-heading--gap { font-size: 26px; margin-bottom: 28px; }

.section-title { font-size: 28px; margin-bottom: 14px; }
.section-intro { font-size: 15px; line-height: 1.65; color: var(--muted); max-width: 42em; }

.prose { display: flex; flex-direction: column; gap: 18px; }
.prose p { font-size: 15px; line-height: 1.7; color: var(--muted-darker); }
.prose strong { color: var(--purple); }
.prose--lg { max-width: 1100px; margin: 18px 0 24px; }
.prose--lg p { font-size: 16.5px; color: var(--muted-darker); }
.prose--narrow { max-width: 40em; margin-top: 20px; }
.prose--gap-b { margin-bottom: 24px; }

/* Bulleted list with gold markers */
.list-gold { display: flex; flex-direction: column; gap: 12px; }
.list-gold li {
  position: relative; padding-left: 20px;
  font-size: 15px; line-height: 1.65; color: var(--muted);
}
.list-gold li::before {
  content: ""; position: absolute; left: 0; top: .62em;
  width: 8px; height: 2px; background: var(--gold);
}

/* --------------------------------------------------------------------------
   4. Links & arrow affordances
   -------------------------------------------------------------------------- */
.arrow-link {
  position: relative;
  display: inline-flex; align-items: center; gap: 8px;
  font: 700 14px/1 var(--font-body);
  color: var(--purple);
  border-bottom: 2px solid var(--gold);
  padding: 8px 0;
}
/* Invisible hit area — keeps a 48px touch target without moving the underline */
.arrow-link::before,
.learn-more::before {
  content: ""; position: absolute; left: 0; right: 0;
  top: 50%; transform: translateY(-50%); height: 48px;
}
.arrow-link svg { flex: none; transition: transform .2s ease; }
.arrow-link:hover { color: var(--gold); }
.arrow-link:hover svg { transform: translateX(3px); }
.arrow-link--on-dark { color: #fff; }
.arrow-link--on-dark:hover { color: var(--gold); }

.text-link { text-decoration: underline; text-underline-offset: 2px; color: var(--purple); }
.text-link:hover { color: var(--gold); }

.learn-more {
  position: relative;
  display: inline-flex; align-items: center; gap: 6px;
  font: 700 13px/1 var(--font-body); color: var(--purple);
  padding: 6px 0;
}
.learn-more svg { transition: transform .2s ease; }
.learn-more:hover { color: var(--gold); }
.learn-more:hover svg { transform: translateX(3px); }

.center-cta { display: flex; justify-content: center; margin-top: 36px; }
.center-cta .arrow-link { font-size: 16px; gap: 10px; padding: 14px 6px; }

/* --------------------------------------------------------------------------
   5. Header — mobile bar + overlay nav
   -------------------------------------------------------------------------- */
.topbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 30;
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px var(--gutter);
  background: var(--purple);
}
.topbar__logo img { height: 28px; width: auto; }

.nav-toggle {
  background: none; border: 0; cursor: pointer;
  width: 48px; height: 48px;
  display: flex; flex-direction: column; gap: 5px;
  align-items: center; justify-content: center;
}
.nav-toggle span { width: 24px; height: 2px; background: #fff; display: block; }

/* Desktop nav is hidden on mobile */
.nav-desktop { display: none; }

/* Overlay panel */
.nav-overlay {
  position: fixed; inset: 0; z-index: 100;
  background: var(--purple); overflow-y: auto;
  opacity: 0; visibility: hidden;
  transition: opacity .22s ease, visibility 0s linear .22s;
}
.nav-overlay[data-open="true"] {
  opacity: 1; visibility: visible;
  transition: opacity .22s ease;
}
body.nav-open { overflow: hidden; }

.nav-overlay__head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px var(--gutter);
}
.nav-overlay__head img { height: 28px; width: auto; }
.nav-close { background: none; border: 0; cursor: pointer; width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; }

.nav-overlay__body { padding: 8px var(--gutter) 40px; display: flex; flex-direction: column; }

/* Rows rise and cascade in as the overlay opens */
.nav-overlay__head,
.nav-overlay__body > * {
  opacity: 0; transform: translateY(12px);
  transition: opacity .3s ease, transform .3s ease;
}
.nav-overlay[data-open="true"] .nav-overlay__head,
.nav-overlay[data-open="true"] .nav-overlay__body > * {
  opacity: 1; transform: translateY(0);
}
.nav-overlay[data-open="true"] .nav-overlay__head { transition-delay: .04s; }
.nav-overlay[data-open="true"] .nav-overlay__body > *:nth-child(1) { transition-delay: .08s; }
.nav-overlay[data-open="true"] .nav-overlay__body > *:nth-child(2) { transition-delay: .12s; }
.nav-overlay[data-open="true"] .nav-overlay__body > *:nth-child(3) { transition-delay: .16s; }
.nav-overlay[data-open="true"] .nav-overlay__body > *:nth-child(4) { transition-delay: .20s; }

.nav-group { border-top: 1px solid rgba(255, 255, 255, .15); }
.nav-group__btn {
  width: 100%; background: none; border: 0; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 0; min-height: 48px;
  font: 700 18px/1 var(--font-body); color: #fff; text-align: left;
}
.nav-group__btn svg { transition: transform .2s ease; }
.nav-group__btn[aria-expanded="true"] svg { transform: rotate(180deg); }
.nav-group__panel {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows .3s ease;
}
.nav-group__panel[data-open="true"] { grid-template-rows: 1fr; }
.nav-group__panel-inner {
  overflow: hidden;
  display: flex; flex-direction: column;
  padding: 0 0 24px 4px;
}
/* A collapsed accordion, while the overlay is open: drop its links from the
   tab order — but only after the collapse animation has finished. When the
   overlay is closed its own visibility:hidden already covers everything. */
.nav-overlay[data-open="true"] .nav-group__panel:not([data-open="true"]) .nav-group__panel-inner {
  visibility: hidden;
  transition: visibility 0s linear .3s;
}
.nav-group__panel a {
  font: 400 15px/1 var(--font-body); color: rgba(255, 255, 255, .85);
  min-height: 48px; display: flex; align-items: center;
}
.nav-group__panel a:hover { color: var(--gold); }
.nav-overlay__body a[aria-current="page"] { color: var(--gold); }

.nav-single {
  border-top: 1px solid rgba(255, 255, 255, .15);
  border-bottom: 1px solid rgba(255, 255, 255, .15);
  display: flex; align-items: center; min-height: 48px;
  padding: 20px 0; font: 700 18px/1 var(--font-body); color: #fff;
}
.nav-single:hover { color: var(--gold); }

/* --------------------------------------------------------------------------
   6. Hero
   -------------------------------------------------------------------------- */
.hero { position: relative; display: flex; flex-direction: column; min-height: 400px; padding-top: 80px; }
.hero__media { position: absolute; inset: 0; z-index: 0; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; }

/* One-shot entrance zoom on the homepage hero only. The global
   reduced-motion rule snaps this to its scale(1) end state. */
.hero:not(.hero--page) .hero__media { overflow: hidden; }
.hero:not(.hero--page) .hero__media img { animation: hero-zoom 10s ease-out both; }
@keyframes hero-zoom { from { transform: scale(1.08); } to { transform: scale(1); } }
.hero__scrim {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(180deg, rgba(15, 7, 20, .35) 0%, rgba(15, 7, 20, .2) 40%, rgba(15, 7, 20, .75) 100%);
}
.hero__inner {
  position: relative; z-index: 2; flex: 1;
  display: flex; flex-direction: column; justify-content: flex-end;
  padding: 24px var(--gutter) 32px;
}
.hero__title { font-size: 30px; color: #fff; margin-bottom: 6px; }
.hero__rotator {
  font: 900 24px/1.15 var(--font-display);
  color: var(--gold); letter-spacing: -.01em;
  min-height: 1.15em; margin-bottom: 20px;
  min-width: 13em; transition: opacity .35s ease, transform .35s ease;
}
.hero__links { display: flex; flex-direction: column; gap: 8px; align-items: flex-start; }

/* Compact hero used on interior pages */
.hero--page { min-height: 300px; }
.hero--page .hero__inner { justify-content: flex-end; padding-bottom: 32px; }
.hero__eyebrow {
  font: 400 12px/1 var(--font-body); letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.hero--page .hero__title { font-size: clamp(34px, 9vw, 44px); }

/* --------------------------------------------------------------------------
   6b. Lede statement, tinted sections, FAQ
   -------------------------------------------------------------------------- */
.lede { padding-block: var(--section-y); }
.lede p { font-size: 19px; line-height: 1.5; color: var(--purple); }
.statement { font-size: 19px; line-height: 1.5; color: var(--purple); margin-bottom: 16px; }

.section--cream { background: #f2efe9; }
.section--blue-tint { background: rgba(131, 174, 196, .18); }

.body-copy { font-size: 15px; line-height: 1.7; color: var(--muted-darker); max-width: 1100px; margin-bottom: 16px; }
.body-copy:last-child { margin-bottom: 0; }
.rule-heading--sm + .body-copy { margin-top: 18px; }
.fine-print { font-size: 14px; line-height: 1.7; color: var(--muted-dark); }

.pill-links { display: flex; gap: 16px; flex-wrap: wrap; align-items: flex-start; margin-top: 28px; }
.pill-links .arrow-link { padding: 12px 4px; }
.pill-links--stack { flex-direction: column; align-items: flex-start; gap: 8px; }

.faq { display: flex; flex-direction: column; border-top: 1px solid rgba(47, 20, 63, .2); }
.faq details { border-bottom: 1px solid rgba(47, 20, 63, .15); }
.faq summary {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  padding: 18px 0; min-height: 48px; cursor: pointer; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary h3 { font: 700 16px/1.4 var(--font-body); color: var(--purple); font-family: var(--font-body); letter-spacing: 0; }
.faq summary::after {
  content: "+"; flex: none; font: 400 20px/1 var(--font-body); color: var(--purple);
}
.faq details[open] summary::after { content: "\2013"; }
.faq__body { padding: 0 0 22px; max-width: 40em; display: flex; flex-direction: column; gap: 10px; }
.faq__body p { font-size: 15px; line-height: 1.7; color: var(--muted-dark); }
.faq__quote, .pull-quote {
  margin: 0; padding: 2px 0 2px 16px; border-left: 3px solid var(--gold);
  display: flex; flex-direction: column; gap: 10px;
}
.faq__quote p, .pull-quote p { font-size: 15px; line-height: 1.7; color: var(--muted); font-style: italic; }
.quote-source { font-size: 12.5px; color: var(--muted); }

/* Section brand mark (e.g. AXA XL logo on the claims page) */
.brand-mark { margin: 6px 0 20px; }
.brand-mark img { height: 46px; width: auto; }

/* --------------------------------------------------------------------------
   7. Stats band
   -------------------------------------------------------------------------- */
.stats { background: var(--purple); padding-block: var(--section-y); }
.stats__eyebrow {
  font: 700 14px/1.2 var(--font-body); letter-spacing: .14em;
  text-transform: uppercase; color: #fff; text-align: center; margin-bottom: 14px;
}
.stats__lede {
  font-size: 14px; line-height: 1.6; color: var(--on-purple-body);
  text-align: center; margin-bottom: 12px; max-width: 44em; margin-inline: auto;
}
.stats__cta { text-align: center; margin-bottom: 36px; }
.stats__cta .arrow-link { padding-top: 0; }
.stats__grid { display: flex; flex-direction: column; }
.stat { padding: 20px 0; border-bottom: 1px solid rgba(255, 255, 255, .18); text-align: center; }
.stat:last-child { border-bottom: 0; }
.stat__figure { font: 900 40px/1 var(--font-display); color: var(--stat-figure); }
.stat__label { font-size: 13px; line-height: 1.5; color: #fff; margin-top: 8px; letter-spacing: .02em; }
.stats__note { font-size: 14px; line-height: 1.5; color: var(--on-purple-muted); text-align: center; margin-top: 36px; }
.stats__badge { display: block; height: 44px; width: auto; margin: 14px auto 0; }

/* Insurer partner logo strip (white band, below the purple stats section) */
.logo-strip { padding-block: 32px; border-bottom: 1px solid var(--rule); }
.logo-strip__list {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 26px 40px;
}
.logo-strip__list img { display: block; height: 30px; width: auto; }
.logo-strip__list--inline { justify-content: flex-start; margin-top: 28px; }
/* AXA XL and Aviva read visually lighter than SRG at the same height */
.logo-strip__item--lg img { height: 40px; }
/* Aviva/Probitas is a portrait mark — needs more height than the wide logos to read */
.logo-strip__item--xl img { height: 60px; }

/* --------------------------------------------------------------------------
   8. Capability rows
   -------------------------------------------------------------------------- */
.cap-list { display: flex; flex-direction: column; border-top: 2px solid var(--gold); }
.cap {
  display: flex; flex-direction: column; gap: 10px;
  padding: 28px 0; border-bottom: 2px solid var(--gold);
}
.cap h3 { font-size: 26px; }
.cap p { font-size: 14px; line-height: 1.55; color: var(--muted); }

/* News & Announcements list — a simple vertical stack, no relation to .cap's
   3-column desktop grid (that one is tuned for the homepage's narrower column) */
.news-list { display: flex; flex-direction: column; }
.news-item { display: flex; flex-direction: column; gap: 10px; padding: 28px 0; border-bottom: 2px solid var(--gold); }
.news-item h3 { font-size: 22px; }
.news-item p { font-size: 14px; line-height: 1.55; color: var(--muted); max-width: 42em; }
/* the item's own bottom rule is the one line; don't double it with the
   arrow-link's usual underline */
.news-item .arrow-link { border-bottom: 0; }
.news-item__date {
  font: 700 12px/1 var(--font-body); color: var(--muted);
  text-transform: uppercase; letter-spacing: .04em;
}

/* --------------------------------------------------------------------------
   9. People
   -------------------------------------------------------------------------- */
.people { display: flex; flex-direction: column; gap: var(--stack); }
.person { display: flex; gap: 16px; align-items: flex-start; }
.person__photo {
  width: 86px; height: 86px; flex: none;
  object-fit: cover; object-position: 50% 0;
}
.person__name { font: 700 16px/1.3 var(--font-body); color: var(--purple); }
.person__role { font-size: 13px; color: var(--muted); margin: 4px 0 8px; }
.person__contact { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.person__email {
  font-size: 13px; color: var(--purple); text-decoration: underline; text-underline-offset: 2px;
  display: inline-flex; align-items: center; min-height: 24px;
}
.person__email:hover { color: var(--gold); }
.person__phone { font-size: 13px; color: var(--muted-dark); margin-top: 6px; }
.person__phone a { display: inline-flex; align-items: center; min-height: 24px; }
.linkedin {
  width: 32px; height: 32px; border-radius: 50%; flex: none;
  background: var(--purple); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font: 700 11px/1 var(--font-body);
  transition: background-color .18s ease, color .18s ease;
}
.linkedin:hover { background: var(--gold); color: var(--purple); }

/* Full-bleed biography bands (Team page) */
.bio { padding-block: 40px; }
.bio__grid { display: flow-root; }
.bio__grid > picture { float: left; margin: 0 20px 8px 0; }
.bio__photo { width: 120px; aspect-ratio: 1; object-fit: cover; object-position: 50% 0; }
/* name + role + contact sit beside the photo; the bio text starts below it */
.bio__body { clear: left; }
.bio__name { font: 700 20px/1.3 var(--font-body); color: var(--purple); font-family: var(--font-body); letter-spacing: 0; }
.bio p { font-size: 16px; line-height: 1.7; color: var(--muted-dark); max-width: 56em; margin-bottom: 14px; }
.bio .bio__role { font-size: 13.5px; color: var(--muted); margin: 4px 0 14px; }
.bio__prior { font: 400 12.5px/1 var(--font-body); color: var(--muted-dark); margin-bottom: 10px; }
.bio .list-gold { margin-bottom: 16px; }
.bio .list-gold li { font-size: 15.5px; }
.bio__contact { display: flex; flex-direction: row; align-items: center; gap: 14px; margin-top: 16px; }
.bio__contact .person__email { font-size: 15px; }
.bio__contact .person__phone { font-size: 13px; margin: 6px 0 0; }

/* --------------------------------------------------------------------------
   10. Data tables — stack into rows on mobile
   -------------------------------------------------------------------------- */
.table-band { padding-block: var(--section-y); }
.table-band--grey { background: var(--grey); }
.table-band--blue-tint { background: rgba(131, 174, 196, .18); }

.data-table { width: 100%; max-width: 1100px; border-collapse: collapse; }
.data-table caption { text-align: left; font: 700 13px/1 var(--font-body); letter-spacing: .1em; text-transform: uppercase; color: var(--purple); padding-bottom: 16px; }
.data-table th, .data-table td { text-align: left; vertical-align: top; }

/* Mobile: each row becomes a stacked block */
.data-table thead { display: none; }
.data-table tr { display: block; padding: 18px 0; border-bottom: 1px solid rgba(47, 20, 63, .18); }
.data-table tr:last-child { border-bottom: 0; }
.data-table th {
  display: block; font: 700 15px/1.4 var(--font-body); color: var(--purple);
  font-family: var(--font-body); letter-spacing: 0;
  margin-bottom: 6px;
}
.data-table td { display: block; font-size: 14px; line-height: 1.6; color: var(--muted); }
.data-table td[data-label]::before {
  content: attr(data-label);
  display: block; font: 700 11px/1.4 var(--font-body);
  letter-spacing: .08em; text-transform: uppercase; color: var(--purple);
  margin-top: 10px;
}

/* Term/definition list — same look as a stacked data-table */
.def-list { margin: 0; max-width: 1100px; }
.def-list > div { padding: 18px 0; border-bottom: 1px solid rgba(47, 20, 63, .18); }
.def-list > div:last-child { border-bottom: 0; }
.def-list dt {
  padding: 1px 0; font: 700 15px/1.4 var(--font-body); color: var(--purple);
  letter-spacing: 0; margin-bottom: 6px;
}
.def-list dd { margin: 0; padding: 1px 0; font-size: 14px; line-height: 1.6; color: var(--muted); }

/* Risk-capital backer cards (replaces the old ratings table) */
.backers { display: grid; gap: 32px; }
.backer {
  display: flex; flex-direction: column;
  border-top: 2px solid var(--gold); padding-top: 18px;
}
.backer__logo { height: 34px; margin-bottom: 16px; }
.backer__logo img { height: 100%; width: auto; }
/* AXA XL and Aviva read visually lighter than the other marks at the same height */
.backer__logo--lg { height: 45px; }
.backer__logo--xl { height: 66px; }
.backer__name { font-size: 24px; color: var(--purple); }
.backer__site {
  font-size: 13px; text-decoration: underline; text-underline-offset: 2px;
  color: var(--purple); align-self: flex-start; margin-top: 6px; min-height: 24px;
}
.backer__site:hover { color: var(--gold); }
.backer__desc { font-size: 15px; line-height: 1.7; color: var(--muted-dark); margin-top: 14px; max-width: 52em; }
.backer__ratings { display: flex; flex-wrap: wrap; gap: 14px 36px; margin-top: 22px; }
.backer__ratings > div { display: flex; flex-direction: column; gap: 4px; }
.backer__ratings dt {
  font: 700 11px/1 var(--font-body); letter-spacing: .08em;
  text-transform: uppercase; color: var(--muted);
}
.backer__ratings dd { font: 900 30px/1 var(--font-display); color: var(--purple); margin: 0; }

/* Sibling-page sub navigation under the hero */
.subnav {
  display: flex; gap: 20px; flex-wrap: wrap;
  padding: 20px var(--gutter); border-bottom: 1px solid #e5e2dc;
  font: 700 13px/1 var(--font-body); color: var(--purple);
}
.subnav a {
  border-bottom: 2px solid var(--gold); padding-bottom: 2px;
  display: inline-flex; align-items: center; min-height: 44px;
}
.subnav a[aria-current="page"] { color: var(--purple); border-bottom-color: var(--purple); }

/* Stacked definition rows with a bold lead-in */
.stk { display: flex; flex-direction: column; }
.stk > li, .stk > p {
  padding: 14px 0; border-bottom: 1px solid rgba(47, 20, 63, .15);
  font-size: 15px; line-height: 1.6; color: var(--muted-dark);
}
.stk > li:last-child, .stk > p:last-child { border-bottom: 0; }
.stk strong { color: var(--purple); }

/* Small uppercase label */
.lead-in { text-transform: none; letter-spacing: 0; font-size: 16px; }
.label-sm {
  font: 700 13px/1 var(--font-body); color: var(--purple);
  text-transform: uppercase; letter-spacing: .06em;
  margin: 28px 0 8px; font-family: var(--font-body);
}

/* Requirement lists — gold-ruled rows */
.req-group { display: flex; flex-direction: column; gap: 40px; max-width: 680px; }
.req-group--wide { max-width: none; }
.req-group h3 {
  font: 700 14px/1 var(--font-body); color: var(--purple);
  text-transform: uppercase; letter-spacing: .06em; margin-bottom: 16px;
  font-family: var(--font-body);
}
.req-list { display: flex; flex-direction: column; }
.req-list li {
  padding: 13px 0; border-bottom: 2px solid var(--gold);
  font-size: 15px; line-height: 1.5; color: var(--muted-darker);
}
.req-list li:last-child { border-bottom: 0; }

/* --------------------------------------------------------------------------
   11. Contact block
   -------------------------------------------------------------------------- */
.contact-band { background: var(--purple); color: #fff; padding-block: var(--section-y); }
.contact-band h2 { color: #fff; font-size: 26px; margin-bottom: 20px; }
.contact-band p { color: var(--on-purple-body); font-size: 15px; line-height: 1.7; }
.contact-band a { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.contact-band a:hover { color: var(--gold); }
.contact-grid { display: grid; gap: 28px; max-width: 880px; }

.contact-band .rule-heading { color: #fff; }
.rule-heading--on-dark { color: #fff; }
.contact-person__name { font: 700 16px/1.3 var(--font-body); color: rgb(212, 208, 215); font-family: var(--font-body); letter-spacing: 0; }
.contact-person__role { font-size: 13px; color: rgba(255, 255, 255, .7); margin: 3px 0 10px; }
.contact-person p { font-size: 13px; color: rgba(255, 255, 255, .7); }
.contact-person a { font-size: 13px; display: inline-flex; align-items: center; min-height: 44px; }

/* --------------------------------------------------------------------------
   12. Footer
   -------------------------------------------------------------------------- */
.footer { border-top: 1px solid var(--rule); }
.footer__nav {
  display: flex; flex-direction: column; gap: 28px;
  padding: 36px var(--gutter) 28px;
}
.footer__col-title { font: 700 13.5px/1 var(--font-body); letter-spacing: -.02em; color: var(--footer-heading); margin-bottom: 12px; }
.footer__col ul { display: flex; flex-direction: column; gap: 0; }
.footer__col a {
  font: 400 13px/1 var(--font-body); color: var(--footer-link);
  display: flex; align-items: center; padding: 6px 0;
}
.footer__col a:hover { color: var(--purple); }
.footer__col-title a { font: inherit; color: inherit; letter-spacing: inherit; padding: 0; }
.footer__col-title a:hover { color: var(--purple); }
.footer__divider {
  height: 1px; background: var(--rule);
  max-width: calc(var(--max) - var(--gutter) * 2); margin-inline: auto;
}
.footer__legal {
  display: flex; flex-direction: column; gap: 2px;
  padding: 20px var(--gutter) 8px;
  font-size: 12.5px; color: var(--muted);
}
.footer__legal a { display: flex; align-items: center; min-height: 40px; }
.footer__legal a:hover { color: var(--purple); }
.footer__disclaimer {
  font-size: 12px; line-height: 1.5; color: var(--muted-dark);
  padding: 0 var(--gutter) 28px;
}

/* ==========================================================================
   DESKTOP — 781px and up
   ========================================================================== */
@media (min-width: 781px) {
  :root {
    --gutter: 56px;
    --section-y: 88px;
  }

  /* Header */
  .topbar { display: none; }
  .nav-overlay { display: none !important; }

  .nav-desktop {
    display: block;
    position: fixed; top: 0; left: 0; right: 0; z-index: 20;
    background: rgba(47, 20, 63, .55);
    transition: background-color .5s ease, box-shadow .5s ease;
  }
  .nav-desktop--scrolled {
    background: var(--purple);
    box-shadow: 0 4px 16px rgba(0, 0, 0, .18);
  }
  .nav-desktop__bar {
    display: flex; align-items: center; justify-content: space-between;
    padding: 18px var(--gutter); max-width: var(--max); margin-inline: auto;
  }
  .nav-desktop__bar img { height: 38px; width: auto; }
  .nav-desktop__list { display: flex; align-items: center; gap: 16px; font: 700 14px/1 var(--font-body); color: #fff; }
  .nav-desktop__list > .nav-item + .nav-item::before {
    content: "|"; color: rgba(255, 255, 255, .5); margin-right: 16px;
  }
  .nav-desktop__top {
    position: relative;
    display: inline-flex; align-items: center; padding: 6px 0;
    background: none; border: 0; border-bottom: 2px solid transparent;
    font: inherit; color: #fff; cursor: pointer;
    transition: color .18s ease, border-color .18s ease;
  }
  /* Invisible bridge across the nav bar's padding so hover survives the
     journey from the nav item down into the flyout panel. */
  .nav-desktop__top::after {
    content: ""; position: absolute; left: -12px; right: -12px;
    top: 100%; height: 34px;
  }
  .nav-desktop__top[aria-expanded="true"] { border-bottom-color: var(--gold); }

  .nav-item { position: static; display: inline-flex; align-items: center; }
  .nav-mega {
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-top: 1px solid var(--rule);
    box-shadow: 0 16px 32px rgba(0, 0, 0, .12);
    opacity: 0; visibility: hidden; transform: translateY(-12px);
    transition: opacity .22s cubic-bezier(.16, 1, .3, 1),
                transform .22s cubic-bezier(.16, 1, .3, 1),
                visibility 0s linear .22s;
  }
  .nav-desktop__top[aria-expanded="true"] + .nav-mega {
    opacity: 1; visibility: visible; transform: translateY(0);
    transition: opacity .22s cubic-bezier(.16, 1, .3, 1),
                transform .22s cubic-bezier(.16, 1, .3, 1);
  }
  .nav-mega__grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px;
    padding: 32px var(--gutter) 40px; max-width: var(--max); margin-inline: auto;
  }
  .nav-mega__grid--4 { grid-template-columns: repeat(4, 1fr); gap: 32px; }

  /* Columns fade-up in a cascade as the panel opens */
  .nav-mega__grid > a {
    opacity: 0; transform: translateY(14px);
    transition: opacity .3s ease, transform .3s ease;
  }
  .nav-mega__grid > a:nth-child(2) { transition-delay: .07s; }
  .nav-mega__grid > a:nth-child(3) { transition-delay: .14s; }
  .nav-mega__grid > a:nth-child(4) { transition-delay: .21s; }
  .nav-desktop__top[aria-expanded="true"] + .nav-mega .nav-mega__grid > a {
    opacity: 1; transform: translateY(0);
  }
  .nav-mega__title {
    font: 700 15px/1.3 var(--font-body); color: var(--purple); letter-spacing: -.01em;
    margin-bottom: 8px; display: inline-flex; align-items: center; gap: 6px;
  }
  .nav-mega p { font-size: 12.5px; line-height: 1.55; color: var(--muted); }
  .nav-mega a:hover .nav-mega__title { color: var(--gold); }

  /* Hero */
  .hero { min-height: 620px; padding-top: 0; }
  .hero__scrim {
    background: linear-gradient(180deg, rgba(15, 7, 20, .25) 0%, rgba(15, 7, 20, .15) 40%, rgba(15, 7, 20, .7) 100%);
  }
  .hero__inner { padding: 40px var(--gutter) 32px; }
  .hero__inner > * { max-width: 900px; }
  .hero__title { font-size: 62px; line-height: 1.05; margin-bottom: 4px; }
  .hero__rotator { font-size: 44px; }
  .hero__links { flex-direction: row; gap: 28px; flex-wrap: wrap; align-items: center; }
  .hero--page { min-height: 420px; }
  .hero--page .hero__title { font-size: 46px; }

  /* Interior heroes */
  .hero--page .hero__inner { padding-bottom: 56px; }
  .hero--page .hero__title { font-size: clamp(40px, 6vw, 72px); line-height: 1.05; }
  .hero__eyebrow { margin-bottom: 16px; }

  /* Lede & FAQ */
  .lede p, .statement { font-size: 26px; }
  .body-copy { font-size: 16px; }
  .faq summary h3 { font-size: 17px; }

  /* Sections */
  .section-title { font-size: 42px; margin-bottom: 20px; }
  .section-intro { font-size: 19px; line-height: 1.7; }
  .rule-heading { font-size: 34px; padding-left: 20px; }
  .rule-heading--gap { font-size: 34px; }
  .split { display: grid; grid-template-columns: .7fr 1.3fr; gap: 64px; }
  .prose p { font-size: 15.5px; }

  /* Stats */
  .stats__eyebrow { font-size: 17px; letter-spacing: .16em; margin-bottom: 16px; }
  .stats__lede { font-size: 15px; margin-bottom: 14px; }
  .stats__cta { margin-bottom: 56px; }
  .stats__grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); }
  .stat { padding: 0 24px; border-bottom: 0; border-right: 1px solid rgba(255, 255, 255, .18); min-width: 0; }
  .stat:last-child { border-right: 0; }
  .stat__figure { font-size: clamp(22px, 3.4vw, 54px); white-space: nowrap; }
  .stat__label { margin-top: 16px; }
  .stats__note { margin-top: 56px; }
  .stats__badge { height: 52px; margin-top: 18px; }
  .logo-strip { padding-block: 44px; }
  .logo-strip__list { gap: 30px 64px; }
  .logo-strip__list img { height: 36px; }
  .logo-strip__item--lg img { height: 48px; }
  .logo-strip__item--xl img { height: 72px; }

  /* Capabilities */
  .cap {
    display: grid; grid-template-columns: 1fr 2fr auto;
    align-items: center; gap: 28px; padding: 36px 0;
  }
  .cap h3 { font-size: 30px; }
  .cap .learn-more { white-space: nowrap; }

  .news-item { padding: 36px 0; }
  .news-item h3 { font-size: 26px; }
  .news-item p { font-size: 15.5px; }

  /* People */
  .people { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
  .person { display: block; }
  .person__photo { width: 80%; height: auto; aspect-ratio: 1; margin-bottom: 16px; }
  .person__name { font-size: 15px; }
  .person__role { font-size: 12.5px; margin: 4px 0 6px; }
  .person__contact { flex-direction: row; align-items: center; gap: 12px; }
  .person__email, .person__phone { font-size: 12px; }

  /* Biography bands */
  .bio { padding-block: 56px; }
  .bio__grid { display: grid; grid-template-columns: 253px 220px 1fr; gap: 40px; align-items: start; }
  .bio__grid > picture { float: none; }
  .bio__photo { width: 100%; }
  .bio__contact { flex-direction: column; align-items: flex-start; gap: 12px; }
  .bio__name { font-size: 22px; }
  .bio .bio__role { font-size: 14px; }
  .bio p { font-size: 14.5px; }
  /* tighter than the site-wide gold list, to keep the bio's right-hand
     column closer in height to the photo / name / contact column */
  .bio .list-gold { gap: 8px; }
  .bio .list-gold li { font-size: 14.5px; line-height: 1.5; }

  /* Tables */
  .data-table thead { display: table-header-group; }
  .data-table tr { display: table-row; padding: 0; border-bottom: 0; }
  .data-table th, .data-table td {
    display: table-cell; padding: 22px 28px 22px 0;
    border-bottom: 1px solid rgba(47, 20, 63, .18);
  }
  .data-table th { font-size: 14.5px; margin: 0; width: 22%; }
  .data-table td { font-size: 14.5px; }
  .data-table td[data-label]::before { display: none; }
  .data-table tr:last-child th, .data-table tr:last-child td { border-bottom: 0; }

  .def-list > div { display: grid; grid-template-columns: 22% 1fr; padding: 22px 0; }
  .def-list dt { font-size: 14.5px; margin: 0; padding: 0 28px 0 0; }
  .def-list dd { font-size: 14.5px; padding: 0 28px 0 0; }

  .backers { grid-template-columns: 1fr 1fr; gap: 44px 56px; }
  /* Constant-height logo box with the logos sharing a baseline, so the name,
     URL and description start at the same point on every card. The modifiers
     size the image inside the box rather than the box itself. */
  .backer__logo { height: 76px; display: flex; align-items: flex-end; }
  .backer__logo img { height: 38px; }
  .backer__logo--lg img { height: 50px; }
  .backer__logo--xl img { height: 76px; }
  .brand-mark img { height: 52px; }
  .backer__name { font-size: 28px; }
  /* Anchor the ratings to the bottom so they line up across a row whatever
     the description length; padding keeps a minimum gap on the tallest card. */
  .backer__ratings { margin-top: auto; padding-top: 22px; }
  .backer__ratings dd { font-size: 34px; }

  .subnav { gap: 32px; padding: 26px var(--gutter); }

  /* Contact */
  .contact-band h2 { font-size: 34px; }
  .contact-grid { grid-template-columns: repeat(3, 1fr); gap: 40px; }
  .contact-grid--2 { grid-template-columns: repeat(2, 1fr); max-width: 600px; }
  .contact-grid--1 { grid-template-columns: 1fr; max-width: 280px; }
  .section-title--sm { font-size: 28px; }

  /* Footer */
  .footer__nav { flex-direction: row; flex-wrap: wrap; gap: 40px 56px; padding: 44px var(--gutter) 32px; }
  .footer__col-title { margin-bottom: 14px; }
  .footer__legal {
    flex-direction: row; justify-content: space-between; flex-wrap: wrap; gap: 16px;
    padding: 20px var(--gutter);
  }
  .footer__legal-links { display: flex; gap: 22px; flex-wrap: wrap; }
  .footer__disclaimer { padding-bottom: 32px; }
}

/* ==========================================================================
   Print & motion preferences
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .001s !important; transition-duration: .001s !important; }
  .nav-overlay,
  .nav-mega,
  .nav-mega__grid > a,
  .nav-overlay__head,
  .nav-overlay__body > *,
  .nav-group__panel-inner { transition-delay: 0s !important; }
}

@media print {
  .nav-overlay, .nav-toggle, .skip-link { display: none !important; }
  body { color: #000; }
}